Arizona SR-22 & High-Risk Auto Insurance
Arizona requires 25/50/15 liability coverage and is an at-fault state.
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Arizona at a Glance
25/50/15
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$10
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Drivers convicted of DUI, suspended for uninsured operation, or involved in at-fault accidents without proof of insurance must file SR-22 certification with the Arizona Motor Vehicle Division. The SR-22 filing itself is not insurance but proof that you carry continuous coverage meeting state minimums. Arizona law also mandates uninsured motorist coverage unless explicitly rejected in writing, which matters more for high-risk drivers facing premium increases after violations.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Comprehensive Coverage
Collision Coverage
Cost Overview
$28–$54/mo
Typical monthly rate in Arizona, non-owner policies
Rate data: Insure.com and MoneyGeek, 2026
What Affects Your Rate
- Violation type and severity: DUI convictions increase premiums more than single at-fault accidents or speeding tickets
- Time since violation: Rates decrease gradually as violations age beyond 3 years, with steeper drops after 5 years
- Coverage gaps or lapses: Any lapse in the past 6 months can double premiums with non-standard carriers
Stay Covered While You Drive Borrowed Cars
Find Coverage After ViolationsIf your license is suspended
Restricted Driver Permit (DUI: Special Ignition Interlock Restricted License)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 in Arizona after a DUI?
Arizona requires SR-22 filing for 3 years from the date the MVD specifies, typically starting from license reinstatement after a DUI conviction. If your policy lapses at any point during those 3 years, the requirement restarts from zero, and your license is immediately suspended. You must maintain continuous coverage without interruption to satisfy the requirement.
Can I get SR-22 insurance with a suspended license in Arizona?
Yes, you can purchase SR-22 insurance while your license is suspended, and filing SR-22 is usually required to reinstate your license. You'll need to obtain a policy from a non-standard carrier willing to write SR-22 coverage, pay the filing fee, and then complete any additional MVD reinstatement requirements such as fees, SR-22 proof, and possible retesting.
Which insurance companies offer SR-22 in Arizona?
Non-standard carriers that write SR-22 policies in Arizona include regional and national insurers specializing in high-risk drivers. Not all major carriers offer SR-22 filing, so drivers typically need to work with independent agents who access multiple non-standard markets. Availability is best in Phoenix and Tucson; rural areas may have fewer options.
Coverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others in an accident. Arizona's 25/50/15 minimums are rarely sufficient for serious accidents, which commonly exceed $100,000 in medical costs and lost wages.
SR-22 Insurance
Certificate filed by your insurer proving continuous coverage to the Arizona MVD. Required after DUI, license suspensions, and uninsured violations. Any lapse restarts the 3-year requirement and suspends your license.
Uninsured Motorist Coverage
Pays for your injuries and vehicle damage when hit by an uninsured or underinsured driver. Arizona automatically includes this coverage unless you explicitly reject it in writing.
Comprehensive Coverage
Covers theft, vandalism, weather damage, falling objects, and animal strikes. Not required by law but mandated by lenders for financed or leased vehicles.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault. Non-standard carriers often require collision even on paid-off vehicles for high-risk drivers with at-fault accidents on record.
Non-Standard Auto Insurance
Policies written by carriers specializing in high-risk drivers with DUIs, suspensions, violations, or SR-22 requirements. Premiums are higher but coverage is often the only option after standard market rejection.